That Time of The Year Again
It’s that time of the year again, where everyone makes their new years resolutions, many of which are usually finance related. The usually consist of making more money, getting out of debt, and saving more money. This post, while not about the black card in anyway is just a friendly reminder with hints to help accomplish this.
Before I started using my Centurion card for most of my purchases, I almost exclusively used my Amex Blue Cash card. It’s a great all purpose credit card with fairly expandable limits, but the cash back on it is great. Between the cash back and tracking spending, this card helped a lot.
Also, the beginning of the year is a great time to get your credit report and score in order. Every year, the US government provides its citizens with a free annual credit report from http://www.annualcreditreport.com. However it only provides your report and not your score. I try and check my score at least once of year. Many times you can find a special where a company is offering the score for free, I usually use Go Free Credit Report for this. It will show you your report and score, and you can get it free.
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I have an American Express Blue Cash card and they just raised my interest rate to 17%. I have never been late on a payment and have excellent credt. Now my payments mostly go towards the interest. Not easy for a recent college grad.